| Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 |
|---|---|---|---|---|---|---|---|---|---|
Interest Income | |||||||||
Interest and fees on loans | |||||||||
35,609 | 31,300 | 29,265 | 29,012 | 28,451 | 30,470 | 35,050 | 39,712 | 46,010 | 52,909 |
Interest on investment securities- | |||||||||
Tax-exempt | |||||||||
1,670 | 1,299 | 1,241 | 1,116 | 1,171 | 1,255 | 1,405 | 1,415 | 1,936 | 3,358 |
Taxable | |||||||||
8,501 | 8,707 | 8,791 | 9,808 | 8,815 | 7,367 | 7,885 | 8,282 | 8,508 | 14,648 |
Interest on balances due from banks | |||||||||
514 | 494 | 562 | 105 | 102 | 146 | 195 | 151 | 132 | 89 |
Total interest income | |||||||||
46,294 | 41,800 | 39,859 | 40,041 | 38,539 | 39,238 | 44,535 | 49,560 | 56,586 | 71,004 |
Interest Expense | |||||||||
Interest on deposits | |||||||||
1,804 | 1,731 | 1,928 | 2,359 | 3,109 | 4,314 | 6,330 | 10,698 | 13,094 | 17,986 |
Interest on borrowed funds | |||||||||
451 | 6 | 308 | 707 | 729 | 1,723 | 3,556 | 3,735 | 6,664 | 12,003 |
Total interest expense | |||||||||
2,255 | 1,737 | 2,236 | 3,066 | 3,838 | 6,037 | 9,886 | 14,433 | 19,758 | 29,989 |
Net Interest Income | |||||||||
44,039 | 40,063 | 37,623 | 36,975 | 34,701 | 33,201 | 34,649 | 35,127 | 36,828 | 41,015 |
Provision For (Recovery Of) Loan Losses | |||||||||
- | - | - | - | 500 | - | - | - | - | - |
Recovery Of Loan Losses | |||||||||
-100 | -700 | -2,200 | -3,000 | - | 2,200 | - | - | - | - |
Provision For (Recovery Of) Loan Losses | |||||||||
- | - | - | - | - | - | 7,350 | 13,800 | 20,500 | 36,000 |
Net Interest Income After Net Interest Income After Recovery Of Loan Losses | |||||||||
44,139 | 40,763 | 39,823 | 39,975 | 35,201 | 31,001 | 27,299 | 21,327 | 16,328 | 5,015 |
Other Income | |||||||||
Net loss on sales and redemptions of securities available for sale | |||||||||
-814 | -546 | 2,151 | - | - | - | - | - | - | - |
Wealth management income | |||||||||
- | - | - | 4,728 | 4,749 | 4,351 | 4,028 | - | - | - |
Service charges and other fees | |||||||||
- | - | - | 4,173 | 3,979 | 4,325 | 4,564 | - | - | - |
Income from wealth management services | |||||||||
- | - | - | - | - | - | - | 3,919 | 4,049 | 3,762 |
Service charges and other fees | |||||||||
- | - | - | - | - | - | - | 4,694 | - | - |
Debit card income | |||||||||
- | - | - | 2,438 | 2,174 | 2,032 | 1,998 | 1,909 | - | - |
Service charges and other fees | |||||||||
- | - | - | - | - | - | - | - | 5,297 | 5,788 |
Net (loss) gain on sales of securities | |||||||||
- | - | - | 398 | -654 | 424 | 1,280 | 1,084 | 3,260 | 7,421 |
Collection expense | |||||||||
- | - | - | - | - | - | - | 233 | 377 | 750 |
Net gain on sales of Other Real Estate Owned | |||||||||
542 | -22 | -85 | -284 | -946 | -1,442 | -1,078 | -3,561 | -3,699 | -10,533 |
Other Than Temporary Impairment losses on securities | |||||||||
- | - | - | - | - | - | - | - | - | 14,952 |
Non credit related losses on securities not expected to be sold (recognized in other comprehensive income) | |||||||||
- | - | - | - | - | - | - | - | - | 3,191 |
Net impairment losses | |||||||||
- | - | - | - | - | - | - | - | - | 11,761 |
Origination fees on mortgage loans sold | |||||||||
- | - | - | 579 | 378 | 702 | 902 | 482 | 718 | 473 |
Bank owned life insurance income | |||||||||
1,411 | 1,978 | 1,425 | 1,353 | 1,416 | 1,466 | 1,458 | 3,607 | 1,944 | 1,493 |
Other real estate owned rent | |||||||||
59 | 20 | 27 | 217 | 436 | 773 | - | - | - | - |
Other real estate owned rent | |||||||||
- | - | - | - | - | - | 482 | - | - | - |
Other | |||||||||
2,298 | 2,043 | 1,950 | 1,725 | 1,821 | 1,858 | 1,725 | 2,535 | 4,168 | 3,304 |
Total other income (loss) | |||||||||
15,540 | 15,882 | 17,513 | 15,327 | 13,353 | 14,489 | 15,359 | 18,230 | 19,436 | 10,480 |
Other Expenses | |||||||||
Salaries and employee benefits | |||||||||
22,344 | 21,400 | 22,443 | 23,095 | 23,238 | 21,520 | 20,313 | 19,475 | 19,106 | 20,740 |
Occupancy expense | |||||||||
2,673 | 2,825 | 2,730 | 2,770 | 2,736 | 3,053 | 2,677 | - | - | - |
Occupancy expense | |||||||||
- | - | - | - | - | - | - | 3,103 | 2,867 | 3,260 |
Equipment expense | |||||||||
3,429 | 3,126 | 2,879 | 3,026 | 2,727 | 2,679 | 2,915 | 2,941 | 3,170 | 3,069 |
Marketing expense | |||||||||
1,589 | 1,322 | 1,144 | 1,104 | 839 | 725 | 701 | 849 | 991 | 1,034 |
Professional fees | |||||||||
2,885 | 2,339 | 2,138 | 2,130 | 2,132 | 1,965 | 2,263 | 2,477 | 2,155 | 1,563 |
EFT/ATM expense | |||||||||
1,160 | 1,022 | 1,022 | 563 | 181 | - | - | - | - | - |
Other Real Estate Owned expenses | |||||||||
100 | 117 | 148 | 372 | 1,047 | 1,001 | - | - | - | - |
Other real estate owned expense | |||||||||
- | - | - | - | - | - | 1,496 | 2,108 | 2,630 | 1,437 |
FDIC Deposit Insurance Assessment | |||||||||
391 | 428 | 567 | 1,230 | 1,949 | 2,773 | 2,744 | 2,947 | 3,130 | 2,876 |
Bonding and other insurance expense | |||||||||
529 | 486 | 577 | 866 | 1,035 | 1,068 | 946 | - | - | - |
Telephone expense | |||||||||
324 | 385 | 413 | 422 | 474 | 599 | 437 | - | - | - |
Debt prepayment penalties | |||||||||
- | - | - | - | - | - | - | - | -2,492 | - |
Debt prepayment penalties | |||||||||
- | - | - | - | - | - | - | - | - | 0 |
Death benefit obligation expense | |||||||||
- | - | - | - | - | - | - | 1,639 | 0 | 0 |
Other | |||||||||
2,611 | 2,685 | 2,537 | 2,622 | 2,309 | 2,683 | 3,124 | 3,486 | 3,863 | 4,512 |
Total other expenses | |||||||||
38,035 | 36,135 | 36,598 | 38,200 | 38,667 | 38,066 | 37,616 | 42,819 | 44,480 | 49,774 |
Income Before Income Taxes | |||||||||
21,644 | 20,510 | 20,738 | 17,102 | 9,887 | 7,424 | 5,042 | -3,262 | -8,716 | -34,279 |
Income Tax Expense | |||||||||
3,945 | 9,901 | 6,237 | 5,020 | 2,572 | -18,113 | -3,503 | 500 | -3,183 | -102 |
Net Income | |||||||||
17,699 | 10,609 | 14,501 | 12,082 | 7,315 | 25,537 | 8,545 | -3,762 | -11,899 | -34,177 |
Other Comprehensive Income - Net of Tax | |||||||||
Unrealized gains (losses) on securities | |||||||||
-3,513 | 1,094 | -3,731 | -144 | 8,233 | -11,315 | 171 | 6,088 | 4,860 | - |
Reclassification adjustment for losses included in net income | |||||||||
-644 | -361 | 1,420 | 263 | -432 | 280 | 845 | 716 | - | - |
Reclassification adjustment for gains included in net income | |||||||||
- | - | - | - | - | - | - | - | -2,151 | - |
Postretirement benefit liability | |||||||||
-917 | 370 | 20 | -688 | 425 | -798 | 366 | -50 | -58 | - |
Effect of accounting change on equity securities | |||||||||
- | -1,268 | - | 0 | - | - | - | - | - | - |
Total Other Comprehensive Income (Loss) - Net of Tax | |||||||||
-1,952 | -183 | -5,171 | - | - | - | - | - | - | - |
Total Other Comprehensive Income (Loss) - Net of Tax | |||||||||
- | - | - | 281 | 8,240 | -10,797 | - | - | - | - |
Total Other Comprehensive Income (Loss) - Net of Tax | |||||||||
- | - | - | - | - | - | -1,040 | 5,422 | 2,767 | - |
Comprehensive Income | |||||||||
15,747 | 10,426 | 9,330 | 12,363 | 15,555 | 14,740 | 7,505 | 1,660 | -9,132 | - |
Basic Earnings Per Common Share (in dollars per share) | |||||||||
0.77 | 0.46 | 0.64 | 0.53 | 0.33 | 1.43 | 0.49 | -0.22 | -0.72 | -2.11 |
Diluted Earnings Per Common Share (in dollars per share) | |||||||||
0.77 | 0.46 | 0.63 | 0.53 | 0.33 | 1.41 | 0.49 | -0.22 | -0.72 | -2.11 |
Fiduciary and Trust [Member] | |||||||||
Noninterest income | |||||||||
4,728 | 5,017 | 4,453 | - | - | - | - | - | - | - |
Deposit Account [Member] | |||||||||
Noninterest income | |||||||||
3,834 | 4,186 | 4,221 | - | - | - | - | - | - | - |
Debit Card [Member] | |||||||||
Noninterest income | |||||||||
3,068 | 2,877 | 2,831 | - | - | - | - | - | - | - |
Mortgage Banking [Member] | |||||||||
Noninterest income | |||||||||
414 | 329 | 540 | - | - | - | - | - | - | - |